:root{
  --blue:#063b68;
  --red:#df2f35;
  --cream:#f5f1e9;
  --light:#eaf7ff;
  --line:#d8e0e5;
}

*{box-sizing:border-box}

html,body{
  margin:0;
  font-family:Arial,Helvetica,sans-serif;
  color:var(--blue);
  background:#fff;
}

a{
  color:inherit;
  text-decoration:none;
}

/* =========================================================
   01. HEADER
   ========================================================= */

.site-header{
  height:76px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding:0 max(5vw,44px);
  border-bottom:1px solid #edf0f2;
  background:#fff;
}

.brand{
  display:flex;
  align-items:center;
  gap:14px;
}

.brand-mark{
  font-size:39px;
  font-weight:800;
  letter-spacing:1px;
  line-height:1;
}

.brand-text{
  font-size:15px;
  line-height:1.15;
}

.brand-text strong{
  font-weight:700;
}

.brand-text small{
  display:block;
  font-size:12px;
  font-weight:400;
  margin-top:5px;
  color:#526d82;
}

.site-header nav{
  display:flex;
  gap:38px;
  align-self:stretch;
}

.site-header nav a{
  display:flex;
  align-items:center;
  font-size:14px;
  position:relative;
}

.site-header nav a.active:after{
  content:"";
  position:absolute;
  bottom:0;
  left:0;
  right:0;
  height:3px;
  background:var(--red);
}


/* =========================================================
   02. HERO / SEITENEINSTIEG
   ========================================================= */

.hero{
  display:grid;
  grid-template-columns:48% 52%;
  min-height:405px;
}

.hero-copy{
  padding:24px 38px 32px 5.8vw;
}

.crumbs{
  font-size:12px;
  color:#5c7c96;
  display:flex;
  gap:13px;
  margin-bottom:28px;
}

.eyebrow{
  font-size:12px;
  font-weight:700;
  letter-spacing:.28em;
  text-transform:uppercase;
  margin:0 0 20px;
}

/* Rote Akzentlinie nur am Seiteneinstieg und Abschluss */
.hero .eyebrow::after,
.cta .eyebrow::after{
  content:"";
  display:block;
  width:35px;
  height:2px;
  background:var(--red);
  margin-top:10px;
}



.hero h1{
  font-size:40px;
  line-height:1.05;
  font-weight:400;
  margin:0 0 18px;
  letter-spacing:-1.1px;
}

.red{
  color:var(--red);
}

.lead{
  font-size:15px;
  line-height:1.45;
  max-width:570px;
  margin:0;
}

.hero-image{
  position:relative;
  overflow:hidden;
}

.hero-image img{
  width:100%;
  height:100%;
  object-fit:cover;
  object-position:center;
  display:block;
}

.image-words{
  position:absolute;
  left:7%;
  top:10%;
  display:flex;
  gap:18px;
  align-items:flex-start;
  font-size:11px;
  font-weight:700;
  letter-spacing:3px;
  line-height:1.9;
  text-shadow:0 0 1px rgba(255,255,255,.3);
}

.image-words i,
.detail-words i{
  display:block;
  width:2px;
  height:92px;
  background:var(--red);
}


/* =========================================================
   03. HAUPTINHALT / ARTIKELRASTER
   ========================================================= */

.content{
  display:grid;
  grid-template-columns:minmax(0,3fr) minmax(250px,1fr);
  max-width:1180px;
  margin:auto;
}

.maincol{
  padding:38px 42px 34px 0;
}

.maincol section{
  position:relative;
  margin-bottom:48px;
}

.maincol h2,
.cta h2{
  font-size:27px;
  font-weight:400;
  line-height:1.18;
  margin:0 0 13px;
  letter-spacing:-.4px;
}

.maincol p{
  font-size:14px;
  line-height:1.48;
  margin:7px 0;
}


/* =========================================================
   04. KLEINE ABSCHNITTSÜBERSCHRIFTEN
   ========================================================= */

.maincol section > .eyebrow{
  font-size:11px;
  font-weight:700;
  letter-spacing:3px;
  text-transform:uppercase;
  margin:0 0 18px;
}




/* =========================================================
   05. ZITATE / HERVORHEBUNGEN
   ========================================================= */

blockquote{
  margin:18px 0 28px;
  padding:15px 20px;
  border-left:2px solid var(--red);
  background:#edf7fb;
  font-size:15px;
  line-height:1.45;
}


/* =========================================================
   06. THEMENKARTEN / RISIKOBEREICHE
   ========================================================= */

.cards{
  display:grid;
  grid-template-columns:repeat(5,1fr);
  margin-top:18px;
}

.cards>div{
  padding:0 15px;
  border-right:1px solid var(--line);
}

.cards>div:first-child{
  padding-left:0;
}

.cards>div:last-child{
  border:0;
}

.ico{
  font-size:30px;
  height:36px;
  line-height:36px;
}

.cards h3{
  font-size:14px;
  line-height:1.25;
  margin:10px 0;
}

.cards p{
  font-size:12px;
  line-height:1.35;
}


/* =========================================================
   07. SIDEBAR / AUF EINEN BLICK
   ========================================================= */

aside{
  background:#fbfaf7;
  padding:40px 28px 0;
  align-self:start;
}

aside > .eyebrow{
  font-size:11px;
  font-weight:700;
  letter-spacing:3px;
  text-transform:uppercase;
  margin-bottom:22px;
}



aside ul{
  list-style:none;
  padding:0;
  margin:0 0 30px;
}

aside li{
  font-size:13px;
  line-height:1.35;
  margin:0 0 18px;
  padding-left:28px;
  position:relative;
}

aside li:before{
  content:"";
  position:absolute;
  left:0;
  top:8px;
  width:17px;
  height:2px;
  background:var(--red);
}

.quote{
  border-top:1px solid #bcc9d2;
  padding-top:24px;
  font-family:Georgia,serif;
  font-style:italic;
  font-size:15px;
  line-height:1.45;
}

.quote small{
  display:block;
  font-family:Arial,sans-serif;
  font-style:normal;
  font-size:12px;
  margin-top:12px;
}


/* =========================================================
   08. SIDEBAR-BILD
   ========================================================= */

.detail{
  position:relative;
  margin:34px -28px 0;
  height:225px;
  overflow:hidden;
}

.detail img{
  width:100%;
  height:100%;
  object-fit:cover;
}

.detail-words{
  position:absolute;
  top:20px;
  left:25px;
  font-size:10px;
  font-weight:700;
  letter-spacing:2.5px;
  line-height:1.9;
  display:flex;
  gap:15px;
}

.detail-words i{
  height:75px;
}


/* =========================================================
   09. CTA / ABSCHLUSS
   ========================================================= */

.cta{
  background:#eaf7ff;
  display:flex;
  justify-content:space-between;
  align-items:center;
  padding:28px max(5.8vw,55px);
}

.cta .eyebrow{
  margin-bottom:15px;
}

.cta h2{
  margin:0 0 5px;
}

.cta p:last-child{
  margin:0;
  font-size:14px;
}

.button{
  background:var(--red);
  color:#fff;
  padding:16px 30px;
  font-size:14px;
}


/* =========================================================
   10. FOOTER
   ========================================================= */

footer{
  min-height:150px;
  background:linear-gradient(#063b68,#022d51);
  color:#fff;
  display:grid;
  grid-template-columns:1.4fr 1.1fr 1.3fr 1fr;
  align-items:center;
  padding:0 max(5.8vw,55px);
  gap:28px;
  font-size:12px;
}

footer>div{
  padding-left:22px;
  border-left:2px solid var(--red);
}

footer>div:first-child{
  border:0;
  padding-left:0;
}

.foot-brand{
  display:flex;
  gap:16px;
  align-items:center;
}

.foot-brand strong{
  font-size:36px;
}

.foot-brand span{
  font-size:11px;
  letter-spacing:2px;
}

.foot-brand small{
  letter-spacing:0;
  font-size:11px;
}


/* =========================================================
   11. HAUPTNAVIGATION / BERATUNG-DROPDOWN
   ========================================================= */

.menu-dropdown{
  position:relative;
  display:block;
}

.menu-dropdown summary{
  list-style:none;
  cursor:pointer;
  white-space:nowrap;
}

.menu-dropdown summary::-webkit-details-marker{
  display:none;
}

.dropdown-arrow{
  font-size:.78em;
  margin-left:4px;
}

.submenu{
  display:none;
  position:absolute;
  z-index:100;
  top:calc(100% - 1px);
  left:-18px;
  min-width:245px;
  background:#fff;
  border:1px solid #e5eaee;
  box-shadow:0 10px 28px rgba(11,52,84,.14);
  padding:8px 0;
}

.submenu a{
  display:block!important;
  padding:11px 18px!important;
  white-space:nowrap;
  border:0!important;
  color:#0b3454!important;
  text-decoration:none!important;
}

.submenu a:hover,
.submenu a:focus,
.submenu a.current-subpage{
  background:#f3eee6;
  color:#cf2e2e!important;
}

.menu-dropdown[open] .submenu{
  display:block;
}

.menu-dropdown.active>summary{
  border-bottom:2px solid #d32f2f;
}

@media(min-width:821px){
  .menu-dropdown:hover .submenu,
  .menu-dropdown:focus-within .submenu{
    display:block;
  }
}


/* =========================================================
   12. HEADER-AUSRICHTUNG / DROPDOWN
   ========================================================= */

.site-header nav>.menu-dropdown{
  align-self:stretch;
}

.site-header nav>.menu-dropdown>summary{
  display:flex;
  align-items:center;
  height:100%;
  font-size:14px;
  position:relative;
  padding:0;
}

.site-header nav>.menu-dropdown.active>summary:after{
  content:"";
  position:absolute;
  bottom:0;
  left:0;
  right:0;
  height:3px;
  background:var(--red,#d32f2f);
}


/* =========================================================
   13. TABLET – BIS 900 PX
   ========================================================= */

@media(max-width:900px){

  .site-header{
    padding:0 20px;
  }

  .site-header nav{
    gap:14px;
  }

  .hero{
    grid-template-columns:1fr;
  }

  .hero-image{
    min-height:320px;
  }

  .content{
    grid-template-columns:1fr;
  }

  .maincol{
    padding:30px 24px;
  }

  .cards{
    grid-template-columns:1fr 1fr;
  }

  .cards>div{
    border:0;
    border-bottom:1px solid var(--line);
    padding:15px;
  }

  .cta{
    gap:20px;
    padding:28px 24px;
  }

  footer{
    grid-template-columns:1fr 1fr;
    padding:30px 24px;
  }

  .hero-copy{
    padding:24px;
  }

  .hero h1{
    font-size:36px;
  }
}


/* =========================================================
   14. MOBILE DROPDOWN – BIS 820 PX
   ========================================================= */

@media(max-width:820px){

  .site-header .menu-dropdown,
  .menu-dropdown{
    position:static!important;
  }

  .site-header .menu-dropdown .submenu,
  .menu-dropdown .submenu{
    position:fixed!important;
    top:72px!important;
    left:12px!important;
    right:12px!important;
    width:auto!important;
    min-width:0!important;
    max-width:none!important;
    transform:none!important;
    margin:0!important;
    box-sizing:border-box!important;
    z-index:10000!important;
  }

  .menu-dropdown .submenu a,
  .site-header .menu-dropdown .submenu a{
    display:block!important;
    width:100%!important;
    padding:11px 18px!important;
    margin:0!important;
    font-family:Arial,Helvetica,sans-serif!important;
    font-size:14px!important;
    font-style:normal!important;
    font-weight:400!important;
    line-height:1.35!important;
    letter-spacing:0!important;
    text-transform:none!important;
    white-space:normal!important;
    border:0!important;
    text-decoration:none!important;
  }
}


/* =========================================================
   15. SMARTPHONE – BIS 650 PX
   ========================================================= */

@media screen and (max-width:650px){

  .site-header{
    height:auto;
    padding:12px 20px;
    display:flex;
    flex-direction:column;
    align-items:flex-start;
    gap:10px;
  }

  .brand{
    display:flex;
    align-items:center;
    gap:10px;
  }

  .brand-text{
    display:block!important;
    text-align:left;
  }

  .brand-text strong{
    display:block;
    font-size:13px;
    line-height:1.15;
  }

  .brand-text small{
    display:block;
    font-size:11px;
    line-height:1.2;
    margin-top:2px;
  }

  .site-header nav{
    width:100%;
    display:flex;
    flex-wrap:wrap;
    justify-content:flex-start;
    align-items:center;
    gap:6px 16px;
  }

  .site-header nav a:nth-child(2),
  .site-header nav a:nth-child(3){
    display:flex;
  }

  .site-header nav a,
  .site-header nav>.menu-dropdown>summary{
    font-size:12px;
    padding:3px 0;
  }

  .hero h1{
    font-size:31px;
  }

  .cards{
    grid-template-columns:1fr;
  }

  .maincol h2{
    font-size:25px;
    line-height:1.22;
  }

  .maincol section{
    margin-bottom:40px;
  }

  .cta{
    display:block;
  }

  .button{
    display:inline-block;
    margin-top:20px;
  }

  footer{
    grid-template-columns:1fr;
  }
}

/* =========================================================
   16. DESKTOP-AUSRICHTUNG – ARTIKEL AN HERO AUSRICHTEN
   ========================================================= */

@media screen and (min-width: 901px) {

  .content {
    padding-left: 48px;
  }

}